Personal HOTSPOT - not working - 911

Might be some useful info here: How to set up a Personal Hotspot on your iPhone or iPad - Apple Support

What most users call a Hotspot at a restaurant, etc is really a regular Wi-Fi network that is being broadcast by a Wi-Fi router, not by an iPhone or other portable device. This type of signal provides much wider coverage than what you would normally expect from a "true" Hotspot.

The Hotspot option or feature on your iPhone is controlled by your carrier.

Keep in mind that Bluetooth is a wireless technology.

If you set up the Hotspot option on your iPhone as a test, and then click the Wi-Fi "bars" at the top of your Mac's screen, does the Hotspot "network" name show up as a wireless connection choice? Can your Mac connect to this wireless signal? Can other devices connect the same way?

Note that the Hotspot network connection display is different than the normal "bars" display with Wi-Fi. That is how you will know whether a device is connected to the Hotspot or the regular Wi-Fi network.

You say: my NEW iPhone13 when trying to use my hotspot give me a message:

"Personal hotspot will ONLY be available over Bluetooth and USB."

Are you trying to connect your iPhone 13 to a hotspot? Or are you trying to use it as a hotspot?

To connect to a hotspot, open Settings > Wi-Fi. If a hotspot is available, select it to connect.

If you want to use it as a hotspot so that another device may find it in their settings, open Settings > Personal Hotspot and turn it to on.

But as Bob Timmons suggested, check with your cellular carrier for any restrictions.

Your carrier is able to put limitations on some hotspot functionality. You should contact them for assistance.